India’s legendary bank the State Bank of India (SBI) recently launched the IRCTC RuPay SBI Card, in association with the Indian Railway Catering and Tourism Corporation. Aside from the usual benefits, the IRCTC SBI RuPay card has been specially curated for regular railway travellers.
Some of the key highlights of the SBI IRCTC RuPay card include:
On the first transaction of ₹500 and more, you can avail 350 activation points.
For ticket bookings through IRCTC, you get 10% ValueBack as reward points.
For IRCTC bookings, 1% transaction charges will be waived.
You can also avail a waiver of 1% fuel surcharge.
Applying for the IRCTC SBI card RuPay through Bajaj Markets will enable a seamless and convenient application process. Read on to learn how to apply for this SBI Credit Card.
Step 1: Head to the Bajaj Markets website.
Step 2: Enter your basic details as a user.
Step 3: Select the SBI IRCTC RuPay credit card from among the credit cards listed.
Step 4: Fill in the form with your personal details, including identity, residence, and income.
Step 5: Submit the form, and you are all set!
The IRCTC RuPay credit card seeks to be accessible to most Indians. As a result, the eligibility criteria and documents required for availing the card are quite minimal. Read below to learn whether you are eligible for the IRCTC RuPay SBI card and the documents you will require to avail the card.
Salaried applicants must be aged between 21-55 years.
Self-employed applicants must be aged between 21-70 years.
All applicants need to be Indian residents to avail this card and its numerous benefits.
Proof of identity, such as Aadhaar card, voter ID, PAN card, etc.
Proof of residence, including Aadhaar card, passport, utility bills, etc.
Proof of income, such as your salary slip from the last 3 months, ITR copy, Form 16, etc.
The outstanding reward points system is one of the key SBI IRCTC RuPay card benefits.
On spending ₹500 or more in the first 45 days of availing the card, you get 350 reward points.
Reward points enable 10% value back while booking tickets through the IRCTC website.
For every ₹125 spent toward retail and railway tickets, you get 1 reward point.
Your reward points enable great offers on dining, golf, travel, and other entertainment.
SBI IRCTC RuPay card benefits include:
350 activation reward points while making your first purchase of ₹500 or more.
You get to visit 1 railway lounge for free every quarter.
Exclusive and unbeatable travel offers from IRCTC, including waiver of 1% transaction fee.
1% fuel surcharge waiver across all Indian petrol pumps, for transactions ranging between ₹500 to ₹3,000.
Fee/Charge |
Amount/Rate |
Fee Payable while Joining |
₹500 |
Fee Payable while Renewing |
₹300 |
Finance Charges |
3.35% per month or 40.2% per annum |
Advance Cash Limit |
Up to 80% of credit limit, capped at ₹12,000 per day |
Advance Cash Charges |
Up to 3.35% per month or 40.2% per annum |
Cash Advance Fee while Withdrawing from SBI or Other Domestic ATMs |
2.5% of the amount, starting at ₹500 |
Charges for Over Limit Transactions |
2.5% of amount, starting at ₹500 |
Late Payment Fee |
Nil on amount due between ₹0 to ₹500 |
Fee for Replacing Card |
₹100 to ₹250 |
Minimum Monthly Amount Due |
5% of total outstanding amount or ₹200 (plus taxes), whichever is higher |
Credit Card |
Best Use Case |
Fuel, travel, and shopping |
|
Shopping, dining, and entertainment |
|
Shopping, entertainment, fuel, and dining |
|
Shopping, rewards, and cashback |
Credit Card |
Best Use Case |
Exclusive MakeMyTrip benefits |
|
HDFC Bank Diners Club Privilege |
Rewards, lifestyle, and lounge access |
Lounge access and reward points |
Any government-authorised proof of income and residence are acceptable for availing the IRCTC RuPay credit card. Additionally, you will require authorised bank statements to demonstrate your income.
The credit limit on each IRCTC RuPay credit card can be different, but you will be issued a credit limit depending on your credit profile.
The customer care number for the SBI IRCTC RuPay credit card is 1860 180 1290.
The IRCTC RuPay SBI credit card is best suited for individuals who frequently travel on the Indian Railways.
Yes, the IRCTC RuPay credit card is accepted globally and can be used at any POS/ATM that accepts Diners Plus, Pulse, and Discover cards.
The RuPay payment network includes offers on golf, dining, travel, and other entertainment areas.
For your immediate family members, you can get add-on credit cards with your IRCTC RuPay credit card.